98 Walnut St, Watertown, MA 02472 Property Records

Middlesex County and Watertown City property record for 98 Walnut St, Watertown, MA 02472

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,290 sqft · built 1920
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Mar 2023)
Tax Bill	$9,397 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48490-10`

Property Details

APN / Parcel Number

Primary APN	`48490-10`
Alternative APNs	`WATE M:1032 B:0055 L:0056` `872`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,290 sqft Living Area
Gross Area	3,625 sqft
Basement Area	1,180 sqft
Unfinished Basement	1,180 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	872
Street Address	98 WALNUT ST
City	WATERTOWN
State	MA
Zip	02472-4028
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	T
Legal Subdivision	RADCLIFF TER WATERTOWN GEO E Q
Legal Block	55
Legal Lot Number	56
Jurisdiction	WATERTOWN MA
Township / Civil Division	WATERTOWN TOWN
Census Block Group	1
Census Block	1008
Census Tract	370401

Owner

Source: Middlesex County and Watertown City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	98 WALNUT ST, WATERTOWN, MA 02472-4028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 16, 2023	Quit Claim Deed, Transfer · FHA Mortgage CITIZENS BANK OF RHODE ISLAND
May 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2023 · Amount on Record
Deed Sale	Mar 16, 2023 · Amount on Record
Prior Sale	Jan 15, 2016 · Amount on Record
Deed Book / Page	81334 / 158
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	98 WALNUT ST, WATERTOWN, MA 02472-4028
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082499-175
Date	Feb 21, 2024
Book Page	82499/175
Instrument	17054

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WATERTOWN MA
Recording Date	Mar 16, 2023
Property Address	98 WALNUT ST, WATERTOWN, MA 02472-4028
Document Number	081334-158
Book / Page	81334 / 158
Instrument Date	Mar 16, 2023
Instrument	26173
Transaction Type	Transfer
Record Updated	Mar 31, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	98 WALNUT ST # 100, 100, WATERTOWN, MA 02472-4028

Mortgage

Document Number	0000026174
Date	Mar 16, 2023
Instrument	26174

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERTOWN MA
Property Address	98 WALNUT ST, WATERTOWN, MA 02472-4028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74775-26
Date	May 29, 2020
Book Page	74775/26
Instrument	81791

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Middlesex County and Watertown City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Watertown City
Unified School District	Watertown School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,397.00 (+1.42%)	$804,500 (+1.59%) Land $469,600 Building $334,900
2024	$9,265.00 (-11.21%)	$791,900 (+3.06%) Land $457,000 Building $334,900
2023	$10,435.00	$768,400 Land $437,100 Building $331,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERTOWN DEPARTMENT OF PUBLIC WORKS serves 35,985 people · EPA ID MA3314000
Water Source	Purchased surface water from MWRA
Last State Inspection	Oct 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: AT&T, Starry, T-Mobile, Verizon.

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